Car breakdown cover in Belgium: two policies taken apart
Vehicle age, repeat breakdowns, a tow truck you call yourself, the replacement car: the clauses that really separate two Belgian breakdown assistance policies.
Quelle Assurance Auto
Blog 2026
Independent guides, comparisons and reviews from Quelle Assurance Auto.
Blog
66 articlesFormules & garanties
Sinistres & démarches
Pothole damage: which car insurance actually pays
Pothole damage is only paid by omnium cover, never by third-party liability alone. A separate claim against the road authority exists too, but not both at once.
Compagnies & comparatif
Insurance Ombudsman Belgium: who to contact, and why
FSMA, Assuralia, the Tariff Bureau, the Common Guarantee Fund: five Belgian bodies not to confuse when a car insurance dispute arises, with the Ombudsman's 2024 figures.
Formules & garanties
Specific conditions car insurance: what to check?
General conditions, specific conditions: which one prevails, what to check first, and why the declared habitual driver changes everything. The ten-minute method for Belgium.
Profils conducteurs
Insuring a car that is not in your name in Belgium
Can you take out car insurance on a vehicle registered to someone else in Belgium? The cases that work, the clause that blocks them, and what must be declared.
Prix & bonus-malus
English excess in Belgium: the threshold that decides whether your insurer pays everything, or nothing
An English excess is not deducted from your payout. It is a threshold: below it, you pay the whole repair bill. Real figures from Belgian contracts, the four excess clauses compared, and how to find yours.
Compagnies & comparatif
Independent insurance broker: how to check your car intermediary's real status in Belgium
Broker, tied agent, sub-agent: five statuses coexist in the FSMA register and they do not carry the same rights. How to check yours before signing a Belgian car insurance policy.
Profils conducteurs
Car insurance after cancellation in Belgium: the RSR file
Cancelled by your Belgian car insurer? How long the Datassur RSR file keeps you, what you must disclose, which cover to aim for, and the remedies available.
Sinistres & démarches
Green card in Belgium: box 8 decides where you are covered
The Belgian green card certifies third-party liability and nothing else. Crossed-out country codes, codes no insurer may cross out, and the 15-day floor.